in january, we brought forward a new agreement to back the first $150 million program. the facility is working as expected. what is before you today are two new agreements for the second $150 million. assuming that action is taken today, we will have the four agreements in place of $75 million each. the slide shows a little bit of a comparison and i want to share this with you. what is being proposed is, in the first column, for union bank agreements for $150 million, it is 0.65%, $975,000 a year. the fee will be covered by the waste water capital program. the term is for three years.